Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Gasoline Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
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Credit Cards Issued by Synchrony Bank (formerly GE Capital Retail Bank)

synchrony-bank-logoSynchrony Bank (formerly GE Capital Retail Bank) is the bank that is “really” behind many of the most popular retail credit cards out there. This means that if you have one of these cards, it is Synchrony Bank that is extending you credit and it is Synchrony you will be dealing with in the future, not the company whose name is on the front of the card. Synchrony Bank credit cards include:

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0% Balance Transfer Credit Cards

zero-percent2If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
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Review: Sears Credit Cards

sears_logo_2Sears (in partnership with Citibank) offers four main credit cards to its customers — three consumer cards and one commercial card. Below we offer an overview / review of what each card offers:

Sears Consumer Credit Cards:

Sears offers 2 consumer credit cards and 1 other financing option:

  • The Sears Card is a store credit card, meaning you can only use it at Sears and its affiliated stores online and offline (Kmart, Sears.com, Kmart.com, Lands End, The Great Indoors). The card allows you to buy Sears merchandise on credit and also offers some perks such as discount or special financing offers. It had a hefty interest rate of 25.24% last we looked. You can apply for this card online.

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Credit Cards Issued By Comenity Bank (formerly World Financial Network National Bank / WFNNB)

victorias_secret_credit_card2Comenity Bank (formerly World Financial Network National Bank, or WFNNB) is the company behind many retail store credit cards. When you become a credit card customer of J.Crew, Victoria’s Secret, or one of their other partner retailers, you actually become a customer of Comenity Bank, because Comenity is actually issuing the card. Comenity Bank credit cards include:

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Rewards Credit Cards

credit-cards-smallWhen we talk about rewards credit cards, we are talking about any credit card that offers you something back in exchange for using it — the more you get back, the better. We also have a fondness for cards that have no annual fee. Below we have highlighted a list of popular rewards cards with a word or two about what each offers:
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Review: Bealls Outlet Credit Card

bealls-outlet-credit-cardBealls Outlet (as well as its sister store Burkes Outlet), in partnership with Comenity Bank, offers a credit card you can use to earn rewards toward future Bealls Outlet or Burkes Outlet purchases. Our overview / review of the card is below:

The first thing to know about the Bealls Outlet credit card is that it can only be used at Bealls Outlet or Burkes Outlet stores, or Bealls Florida department stores, but nowhere else. This limited acceptance is a downside; if you’re going to open a new credit line, we’d prefer it be for a card that you can use widely, especially if your credit history is shaky. In the case of the Bealls Outlet card, you’ll take a hit to your credit score when you get the card but you won’t be able to use your new credit widely.
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Bealls Outlet Credit Card Payment, Login, and Customer Service Information

bealls-outlet-credit-cardThe Bealls Outlet credit card is issued in partnership with Comenity Bank, and it is Comenity Bank you will interact with in order to pay your credit card bill online or by mail, or to get customer service assistance. Below you’ll find all of the information you need to accomplish any of these tasks:

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Airline Credit Cards

airplaneThere are many airline / travel credit cards on the market. Some are offered by a specific airline as part of their frequent flyer programs, while others offer travel “points” that can be used to pay for flights or to defray air travel costs.
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Walmart Credit Card Payment, Login, and Customer Service Information

walmart-mastercardWalmart credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony you will interact with when it comes to paying your bill online or by mail, or to get customer service assistance.

Below is all the information you need to complete any of these tasks:

  • To access your account and make a Walmart credit card payment online, you can log in here.

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